HMT INVESTMENTS (SCOTLAND) LIMITED
💤Zombieactive
SC312178 · ltd · incorporated 2006-11-20
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£183.4k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
15 live charges · 3 lenders · oldest 18.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 18.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
15 charges (15/15 with lender, 15/15 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 3 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
60
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £183,450
Net assets shrinking
Down £20,281 YoY
Cash YoY
-9%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£9k
↓ 9.1% YoY
Net Worth
£183k
↓ 10.0% YoY
Current Assets
£64k
↑ 6.8% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £778.5k | £779.8k |
| Current assets | £63.8k | £59.7k |
| Cash | £9.4k | £10.3k |
| Debtors | £54.4k | £49.4k |
| Net assets | £183.4k | £203.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
- 2025-12-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-23📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-12-20➕TAYLOR, Andrew appointedsecretary
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-09-14➖TAYLOR, Susan Elizabeth resignedsecretary
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-13🔓Charge satisfied #11
- 2023-07-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-04🔒Charge registered #15Lender: Paragon Bank PLC
- 2023-06-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-26🔒Charge registered #14Lender: Paragon Bank PLC
- 2023-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-09🔒Charge registered #13Lender: Paragon Bank PLC
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-24📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-06-11🔓Charge satisfied #12
- 2019-06-11🔓Charge satisfied #8
- 2015-01-08🔓Charge satisfied #6
- 2015-01-08🔓Charge satisfied #5
- 2015-01-08🔓Charge satisfied #2
- 2015-01-08🔓Charge satisfied #4
- 2015-01-08🔓Charge satisfied #3
- 2015-01-08🔓Charge satisfied #1
- 2012-07-27🔒Charge registered #12Lender: Svenska Handelsbanken Ab (Publ)
- 2012-07-27🔒Charge registered #11Lender: Svenska Handelsbanken Ab (Publ)
- 2012-07-27🔒Charge registered #10Lender: Svenska Handelsbanken Ab (Publ)
- 2012-07-27🔒Charge registered #9Lender: Svenska Handelsbanken Ab (Publ)
- 2012-07-27🔒Charge registered #8Lender: Svenska Handelsbanken Ab (Publ)
- 2012-07-27🔒Charge registered #7Lender: Svenska Handelsbanken Ab (Publ)
- 2008-10-21➖HORSBURGH, John resignedsecretary
- 2008-10-21➕TAYLOR, Susan Elizabeth appointedsecretary
- 2008-10-21➖HORSBURGH, John resigneddirector
- 2008-10-21➖MURRAY, Steven William resigneddirector
- 2008-01-18🔒Charge registered #6Lender: Clydesdale Bank Public Limited Company
- 2008-01-14🔒Charge registered #5Lender: Clydesdale Bank Public Limited Company
- 2007-11-12🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 2007-11-06🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 2007-11-06🔒Charge registered #3Lender: Clydesdale Bank Public Limited Company
- 2007-07-30🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2006-11-20🏢Company incorporatedAs HMT INVESTMENTS (SCOTLAND) LIMITED
- 2006-11-20➕TAYLOR, Andrew Edward David appointeddirector
- 2006-11-20➕HORSBURGH, John appointedsecretary
Showing most recent 50 of 56 events
Owner dependency
85/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 19 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Edward David Taylor Individual · British · DOB 04/1985 · age 41 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HIGHLAND & UNIVERSAL LAND LIMITED→ SC533900 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| HIGHLAND CENTRE LTD.→ SC265245 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| HIGHLAND HABITAT LIMITED→ SC826958 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HIGHLAND PROPERTIES DEVELOPMENTS LIMITED→ SC222303 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| HIGHLANDER (SCOTLAND) PROPERTIES LIMITED→ SC469412 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| HILLEND VALLEY HOMES LTD→ SC872197 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HMZY PROPERTIES LTD→ SC822277 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HNE CONSULTANTS LTD→ SC705970 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HNL INVESTMENT PROPERTIES LTD→ SC717833 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HNV PROPERTY LETTINGS LIMITED→ SC825755 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOLBURN PROPERTY GROUP LTD.→ SC407775 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| HOLDFAST PROPERTY LTD→ SC687080 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2006-11-20
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
7a Broomieknowe
Lasswade
Midlothian
EH18 1LN
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-05
Last: 2025-11-21
Officers (2 active · 6 resigned)
Active
TAYLOR, Andrew Edward David→
Activedirector · ~41y · appointed 2006-11-20
View their other companies + combined net worth →
HORSBURGH, John→
Resignedsecretary · appointed 2006-11-20 · resigned 2008-10-21
TAYLOR, Susan Elizabeth→
Resignedsecretary · appointed 2008-10-21 · resigned 2024-09-14
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2006-11-20 · resigned 2006-11-20
HORSBURGH, John→
Resigneddirector · ~55y · appointed 2006-11-20 · resigned 2008-10-21
MURRAY, Steven William→
Resigneddirector · ~57y · appointed 2006-11-20 · resigned 2008-10-21
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2006-11-20 · resigned 2006-11-20
Click a director name to see their full track record across all companies.
Mortgages & charges
15
Total charges
6
Outstanding
2
Active lenders
Status:Lender:15 of 15 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 04/07/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 26/06/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 09/06/2023 | — | |
| satisfied | Svenska Handelsbanken Ab (Publ) | Standard security | 1 property | 27/07/2012 | 11/06/2019 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | Standard security | 1 property | 27/07/2012 | 13/09/2023 | |
| outstanding | Svenska Handelsbanken Ab (Publ) | Standard security | 1 property | 27/07/2012 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | Standard security | 1 property | 27/07/2012 | — | |
| satisfied | Svenska Handelsbanken Ab (Publ) | Standard security | 1 property | 27/07/2012 | 11/06/2019 | |
| outstanding | Svenska Handelsbanken Ab (Publ) | Bond & floating charge | 1 property | 27/07/2012 | — | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal mortgage | 1 property | 18/01/2008 | 08/01/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal mortgage | 1 property | 14/01/2008 | 08/01/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal mortgage | 1 property | 12/11/2007 | 08/01/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal mortgage | 2 properties | 06/11/2007 | 08/01/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Legal mortgage | 1 property | 06/11/2007 | 08/01/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 30/07/2007 | 08/01/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (86 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-02
appoint-person-secretary-company-with-name-date
officers · AP03
2024-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
change-person-director-company-with-change-date
officers · CH01
2024-11-26
termination-secretary-company-with-name-termination-date
officers · TM02
2024-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-09